What is the best travel insurance for Cuba? If you have already started planning your trip to this incredible Caribbean Island, you are probably asking yourself this question. As you may already know, international health insurance is the third pillar on which a trip is built along with your accommodation and flight reservations. In this specific case, it happens that travel insurance for Cuba is mandatory for travelling, as established by the country’s authorities.

Cuba awaits you with history and culture that can still be felt daily in cities like Santiago or Havana. White sand beaches where you can lay in the sun, places where you can dive and discover the underwater world, or areas like Viñales where you can’t miss the trails.

This guide will provide information on the best travel insurance for Cuba, including its coverage, cost, and how to obtain it. Once you have secured your travel insurance, you will be one step closer to realizing your dream of visiting this amazing destination. So pack your bags and get ready to explore Cuba in just a few minutes.

Why should you get travel insurance for Cuba? 

Receiving healthcare abroad is always associated with very expensive bills which, in some cases, can ruin the entire trip.

In Cuba, while its citizens have access to free healthcare, tourists are required to use a separate medical circuit, which requires having medical insurance that meets the country’s standards. 

Cuba is generally a safe country for tourists, but that doesn’t mean you won’t require medical assistance at any time. Even a minor stumble while walking through the cobblestone streets of Old Havana, issues while snorkelling in Cayo Jutías, a bump while travelling on a truck across the country, or any other mishap that can happen anywhere (cuts, illnesses, muscle or joint pain, infections… or even surgery!) can result in a visit to the emergency room and a hefty bill of thousands of euros if you don’t have adequate travel insurance for Cuba.

colorful houses and a car on a street in cuba

Travel Insurance for Cuba

When it comes to travel insurance for Cuba, it’s essential to protect not only your health but also other factors that can impact your trip. That’s why we recommend IATI Total Comfort if your country of residence is within the European Union. This is the best international insurance option for Cuba, it provides coverage for a wide range of scenarios that may arise during your visit to this country. For example, you will be protected if you have problems with your luggage (lost or stolen), as well as if you are assaulted with violence or intimidation. Another example? You will also be covered in cases of delayed departure of transportation, delayed delivery of your luggage, adventure sports, or, if you wish, trip cancellation for serious reasons.

If you are travelling form outside the EU, we recommend IATI Star. It has one of the highest medical expenses coverages on the market, €1,000,000 extendable up to €4,800,000 and the largest limits in its wide range of complementary coverages. This policy is specially designed for travel to countries with high medical costs, such as the US.

We will discuss these and other features in the next section dedicated to the coverage of IATI Total Comfort and IATI Star,  the best travel insurances for Cuba.

What is the best travel insurance for Cuba?  

In the following section, we will discuss in detail the coverage that makes IATI Star and IATI Total Comfort the best travel insurances for Cuba. Designed so that you can make the most of this destination and enjoy everything it has to offer, without worrying about anything else other than living that unique experience you deserve.

As you already know, travel insurance for Cuba is mandatory. If you’re ready to purchase your insurance and continue planning your adventure, don’t hesitate any longer and click here (EU) and here (outside EU) to easily contract your insurance now.

What features should the best travel insurance for Cuba have 

Similar to how international insurance for a city like New York requires specific coverage, travel insurance for Cuba also needs to be tailored to meet all of your needs and ensure that nothing is left out.

In Cuba, you will go on strolls, taste new flavours, use local transportation, and, among many other plans, enjoy nature and the Caribbean seabed. For this reason, your insurance should consider the following coverage, all included in your IATI Total Comfort and IATI Star:

High medical assistance coverage  

As we mentioned above, Cuba has a health system dedicated to tourists whose prices are very high. In addition to this high cost, you may not find quality centers prepared for all types of incidents throughout the country.

For this reason, it is necessary to have travel insurance for Cuba with extensive medical assistance coverage and to ensure that you get transferred to a location in the country where you can receive the care you need. Your IATI Total Comfort medical insurance will cover you for up to €10,000,000, more than enough for any healthcare you may need, and will ensure that you can be treated at a good quality center that can help you the best. Your IATI Star, besides having one of the highest medical expenses coverages on the market (€1,000,000 extendable up to €4,800,000) it also includes the option to cover adventure sports and cruise ships, beyond many other features.

Free 24-hour care  

You’ll be travelling around the clock, so we won’t rest for a minute either. You can count on us 24/7 for any assistance you may need, whether it’s related to a health issue, a problem with your luggage, or a missed transportation that could impact your trip.

And you don’t have to worry about the cost of the call if you contact us from abroad, we will take care of it too. Just send us proof of the cost of the call to our assistance center and we will reimburse you. 

pink car on a street in cuba

Adventure sports in Cuba 

A trip to Cuba offers a wide range of possibilities in terms of activities and sports. Most activities are not covered by normal travel insurance policies, but with both IATI Total Comfort and IATI Star you can enjoy your time abroad with the best protection.

Kayaking along the coast of your resort, discovering the breathtaking underground caves scattered throughout the island, exploring areas like Viñales by bike or on foot, enjoying activities like surfing, kite surfing, or admiring the underwater world through snorkelling or diving up to 40 meters. These are just a few of the many activities that can be covered by the Adventure Sports coverage included in your policy. 

No deductibles, you don’t have to pay anything out of your pocket 

A policy that includes a deductible, such as 100 euros, will require you to pay the first 100 euros of any medical expenses, even if you’ve already paid for the full amount of your travel insurance to Cuba. Unfortunately, this condition is often hidden in the fine print and disguised as a lower price, ultimately resulting in a much more expensive policy.

At IATI, we’re proud to offer policies without any deductibles. That means we’ll cover every euro of your medical expenses.

No advance payment for medical care 

Some travellers purchase their travel insurance for Cuba without taking the time to read the policy conditions, only to realize their mistake when it’s already too late. Those with similar policies, although they may cover expenses, often require travellers to make payments upfront, with reimbursement only coming weeks or even months later.

At IATI, this does not happen and, thanks to your IATI Total Comfort and IATI Star travel insurance for Cuba, we will pay all expenses without you having to pay anything in advance. The process is very simple. When you need medical assistance, just contact us and we will refer you to the nearest quality center, where you can receive the best care. When you get there, they will be waiting for you and, once your visit is over, we will pay for the medical care and any tests or medications prescribed by the specialist.

If, due to an emergency, you are unable to contact us and must go directly to the hospital to receive assistance, do not worry. Just keep the invoices, receipts, and medical reports, and once you send them to us, we will reimburse you as quickly as possible.

Lost luggage and theft included 

During your trip, you may be confronted with incidents that go beyond health, and the best travel insurance for Cuba should also have support for these types of cases.

Therefore, if you have problems with lost or stolen luggage during your trip, thanks to our travel insurances, you will be protected for up to €2,500 with your IATI Star and up to €1,500 with your IATI Total Comfort.

If the problem is a delay in the delivery of your luggage, you can count on up to 300 euros (with IATI Star policy) and 120 euros (with IATI Total Comfort policy) to cover basic needs that you may need, within the clauses of the conditions.

a small house on a bech in cuba

Cancellation option – cancelling your trip to Cuba 

For many people, a trip to Cuba is a once-in-a-lifetime experience. This adventure is tied to flight expenses, accommodation reservations in the country, activity bookings, excursions, etc. But what would happen if you had to cancel your trip for a serious reason? Would you lose all the money you had invested? Not at all!

With over 135 years of experience in the travel insurance industry, at IATI, we’re constantly striving to provide innovative products that meet the needs of modern travellers. That’s why we were the first to introduce the Cancellation Option to our policies. By choosing an IATI Total Comfort policy, you’ll receive double protection, and if you’re unable to travel for any covered reason, we’ll reimburse you for up to 2,000 euros in expenses that you’re unable to recover directly from your travel suppliers. Don’t worry, if you are travelling with IATI Star you will also be protected and we’ll reimburse you up to 5000 euros in expenses.

Travel Insurance Coverage for Cuba 

Now that you know the coverage your travel insurance for Cuba should have, you may be interested in learning more about the features offered by the most popular policies among travellers heading to this Caribbean island. On the IATI Total Comfort and IATI Star pages, you can find detailed information about our policy and its benefits.

In the following table, as a summary, we show you some of the coverages if you are travelling from the EU:

Travel Insurance for Cuba Medical Expenses Coverage  Theft and baggage damage Adventure Sports Cancellation coverage (optional) Repatriation
IATI Total Comfort €10,000,000 €1,500 100% €2,000 100%

If you are travelling from outside the EU, here is the summary of the features of the best travel insurance:

Travel Insurance for Cuba Medical Expenses Coverage  Theft and baggage damage Adventure Sports Cancellation coverage (optional) Repatriation
IATI Star €1.000.000 €2,500 100% €5,000 100%

How much does travel insurance for Cuba cost? 

The cost of your travel insurance for Cuba, is what will convince you of the great quality/price ratio.

As you can see, the price of a two-week trip is lower than the price of one night in a medium hotel in areas like Varadero, which means that your international insurance will be a minimal cost in your travel budget. 

In addition, this is an expense that will turn into a huge saving in case you need any type of assistance:

International health insurance Price for 1 week 2 weeks 3 weeks
IATI Total Comfort 55 € 72,22 € 127,01 €


International health insurance Price for 1 week 2 weeks 3 weeks
IATI Star 63,44€ 99,38 € 123,62 €

How to buy the best travel insurance for Cuba 

Buying your travel insurance for Cuba through our intuitive menu is quick and easy, following the steps below.

In the menu, you should enter your travel details:

  • Your country of residence
  • The destination of your trip: in this case, Cuba
  • The start and end dates of your trip
  • The number of travellers
  • Type of insurance: travel insurance

After filling out these fields and clicking on “Get a quote”, select IATI Total Comfort or IATI Star and then click on “Contract”. At this point, you can add the Travel Cancellation Option that we mentioned above, which will allow you to recover up your travel expenses if you cannot travel for any of the reasons mentioned above.

Simply fill in your personal information, make the payment, and within minutes you will receive an email with the details of your policy, including contact information for when you need assistance. It’s incredibly easy to get travel insurance for Cuba – the whole process can take as little as 3 minutes! 

Useful information for a safe trip to Cuba  

Best time to travel to Cuba  

The best time to travel to Cuba in terms of weather is between november and april, which is commonly referred to as the “dry season”. During this period, the weather is slightly cooler without the intense heat of other months and there is significantly less rainfall. Additionally, hurricanes are very rare during this time of the year.

man playing an instrument on a street in cuba

Safety in Cuba  

Cuba is one of the safest destinations in the region, and people are usually friendly, open, and willing to help visitors. This is a safe trip, and if necessary, precautions are taken.

Health in Cuba 

Cuba has a world-renowned healthcare system. It is free for its citizens but involves a high cost for tourists. For this reason, and to ensure that you receive the quality care you deserve on a trip like this, it is essential (and mandatory) to have travel insurance for Cuba. 

Get your travel insurance now and travel with the protection offered by the best insurance for Cuba!